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Photography can also be a tool for selling, whether it’s an object, real estate or just the resulting emotion to entice a buyer.
CDs are another way to earn additional interest on your savings, but they will tie up your money for longer than a high-yield savings account. You can purchase a CD for different time periods such as six months, one year or even five years, but you typically can’t access the money before the CD matures without paying a penalty.
Some beginning photographers may feel like their creativity and passion for it will be enough to make a career out of it. But having a degree in photography, especially if paired with additional graphic design education, can jump-start your career. “A lot of times, I’ll be asked ‘why should I get a degree when I can watch great instructional YouTube tutorials?’” said Vandenberg. “In a degree program, you can learn everything you’d learn on the job (that would take you) 10 years – with support. It’s the difference between gardening with dirt versus gardening with Miracle-Gro. Everything will happen faster and better.”
If your employer allows workers to split payroll deposits among multiple accounts, put at least a portion into savings. "You don't ever feel it," says Dan Hill, certified financial planner and president of investment advisory firm Hill Wealth Strategies in Richmond, Virginia. Hill says that he used a payroll deduction of $25 per paycheck to buy savings bonds over an 11-year period. That grew to $34,000 to be used for his son's college education. Hill, who wasn't a financial planner at the time, says there are better ways to invest than savings bonds, but people shouldn't overlook the power of small amounts compounding over time.